The GenieCard has be issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank - 2014. The Program Manager for the GenieCard is PAL Card Minnesota, LLC. By using the GenieCard you agree with the Terms and Conditions of the Cardholder Agreement and fee schedule. The GenieCard is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.

* The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and Social Security Number which will allow us to identify you. "100% Approval" and "No one is Turned Down" is contingent upon successfully passing this mandatory identification confirmation.

** Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.